Insurance Coverage - Liability Policy
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The following are some definitions and explanations of the coverage provided by our liability policy which is underwritten by the Hanover Insurance Company.
»» LIABILITY: State or quality
of being liable. That for which one is liable; one’s
pecuniary obligations, or debts, collectively.
»» NEGLIGENCE: Failure to use
the care that is required to protect others from
unreasonable chance of harm. Negligence may be caused by
acts of omission, commission or both.
»» BODILY INJURY: Means bodily
injury, sickness, or disease sustained by a person,
including death resulting from any of these at any time. |
Protect
your
club &
members
against
negligence
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»» PROPERTY DAMAGE: Physical
injury to tangible property, including all resulting loss of that
property.
»» OCCURRENCE:
Means an accident, including continuous or repeated exposure
to substantially the same general harmful conditions.
»» AGGREGATE:
The overall limits of insurance that will be paid during the
specified policy period.
»» ADDITIONAL INSURED CLUB MEMBERS: Includes, as an insured, any of your members, but only with respect to their liability for your activities or activities they perform on your behalf.
NOT THEIR BODILY INJURY.
»» This policy is designated to protect the club and club members for their negligence if they should cause or contribute to bodily injury and/or property damage to a third party (non-club member).
»»This policy provides coverage for
ALL of your organized club functions.
»»The policy term is for (1) one year and is in force
ONLY during organized club functions.
»»The coverage territory is the United States of America (including its territories and possessions), Puerto Rico and Canada.
»»There is no deductible.
POLICY INCLUDES:
»» "Miscellaneous
Club Owned Equipment" - Up to $4,000 in value with a $250.00
deductible, more coverage can be added with an additional premium.
»» "Products-Completed Operations" - Bodily Injury/Property Damage that occur somewhere other than the insured's premises and involve the insured's products or work.
i.e.: Food prepared and served by the club.
»» Fire Damage Legal Liability" - $50,000.00 - The most the company will pay under Coverage A of the Commercial General Liability policy for damage because of "property damage" to premises rented to you arising out of any one fire.
»» "Medical Payments" - $5,000.00 - Reimbursement on a no-fault basis for medical expenses incurred by non-club members during organized club functions.
Excludes: Expenses for bodily injury: 1) to any insured (club member); 2) person
hired to do work for or on behalf of the club.
»» "Contractual Liability" - Liability that is assumed in a contract or agreement.
»» "Therapeutic Use" - Provides protection for participation in the therapeutic use of dogs in nursing homes, hospitals or similar institutions either on an in-patient or out-patient basis.
»» "Training Classes" - If the club members are training their own dogs with no outside owners and/or dogs present, training is included in the base premium. However, if there are non-club members present there is a charge per class because there is extra exposure due to 3rd party involvement.
»» POLICY DOES NOT PROVIDE COVERAGE FOR THE USE OF LIVE AND/OR POPPER
AMMUNITION!
»» POLICY DOES NOT PROVIDE COVERAGE FOR BREED RESCUE!!
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